MLS and off market sold comps.When I put terms: Cash only on the MLS, it just shows me the listings that include Conventional, VA, FHA, Cash Only.... it shows me the term 'cash only', but doesn't give me what I'm looking for, which the the comps that were really bought cash from investors, not that the term was accepted in the listing. 

I don't think I can count on a conventional loan.

I currently own my primary home, bought with conventional financing.

Though there seems to be similar guidance from Freddie Mac, I continue to see posts, including on this forum, that seem to suggest that nearly all conventional mortgages do have such due on sale clauses. 4) obtaining hard money or other loans that don't have the above requirements.

Or even a conventional loan can go as low as 5% with some lenders.

The loan is conventional Freddie/Fannie.

They'd source these services, I'd pay for them..These charges are usually included in the closing costs of a conventional loan, so again, this sounds legit thus far. 

That's the key to getting out of the limitations of the conventional path (buying listed properties, getting bank loans, etc.)

Hello,I'm running into issues with qualifying for a conventional mortgage to buy another owner occupied house here in Missoula MT, to build another backyard ADU, this strategy works great here.

A few other options would be to have a cosigner, such as a family member to sign on a conventional or FHA loan.